Kernel Smart Saver – 2.25% (PIE)

It depends is the only meaningful answer you can get with the information provided. 

You really need to define the investment horizon you are looking at and risk appetite at the minimum.

You will likely average ~8% in a low fee market share etf but this can also drop dramatically (20%+) in the short-medium term. 

Have you thought about investing in MUPPET?

It's this simple fund I've created, you should give me all your money, which basically invests in pool table felt.  At the moment pool table felt isn't that widely sought after but soon with us having no petrol everyone's gonna be stuck inside wanting to play pool. And so felt stocks are gonna go THRU THE ROOF.  Also people like puppets and they're made of felt.

Anyway so I promise 20% return on any investment(s).  Give me your money and worry no more.

I am not approaching you independently. All interactions are contained strictly within this discussion, and no external or unsolicited contact is being made. I am not a risk or a scam, and there is no basis to classify this as a Ponzi scheme or similar fraudulent structure. The operational mechanics do not involve handing money directly to individuals (apart from me) or recycling capital, making such warnings inapplicable to my amazing investment.

I am just a money fountain. Don't question it.  I'll DM you bank account details shortly.

Rabobank Premium Saver - but it's not PIE. Terrible long term, ok as a holding spot while the markets are dropping.

timmmay:

 

Rabobank Premium Saver 

 

???

Handle9:

 

It depends is the only meaningful answer you can get with the information provided. 

You really need to define the investment horizon you are looking at and risk appetite at the minimum.

 

You will likely average ~8% in a low fee market share etf but this can also drop dramatically (20%+) in the short-medium term. 

 

OP is looking for on demand products. ETFs (and most other investments) can be bought and sold at will but don’t fit that description.

@eracode - see screenshot above. 2.25%. Not sure why the interest rate didn't load for you.

Have a look at Heartland Bank too.

timmmay:

 

@eracode - see screenshot above. 2.25%. Not sure why the interest rate didn't load for you.

 

Sorry - you’re right - apologies and stupidly I missed the rate in your post. It didn’t load for me in two different places on that page.

That’s a very competitive rate.

eracode:

 

Handle9:

 

It depends is the only meaningful answer you can get with the information provided. 

You really need to define the investment horizon you are looking at and risk appetite at the minimum.

 

You will likely average ~8% in a low fee market share etf but this can also drop dramatically (20%+) in the short-medium term. 

 

 

OP is looking for on demand products. ETFs (and most other investments) can be bought and sold at will but don’t fit that description.

 

Probably they are, maybe they are not. Hence the questions. 

Handle9:

 

eracode:

 

Handle9:

 

It depends is the only meaningful answer you can get with the information provided. 

You really need to define the investment horizon you are looking at and risk appetite at the minimum.

 

You will likely average ~8% in a low fee market share etf but this can also drop dramatically (20%+) in the short-medium term. 

 

 

OP is looking for on demand products. ETFs (and most other investments) can be bought and sold at will but don’t fit that description.

 

 

Probably they are, maybe they are not. Hence the questions. 

 

Yes but he specifically said ‘on demand investments’. ‘On demand’ implies he has a very short investment horizon and is looking for suitable products.

‘On demand investments’ are products with a known interest rate - even if variable over the period that the funds are invested there. ETFs don’t have that characteristic and don’t fit there.

If you can handle a slight delay, try a 32 day notice saver. 

Wetpac on le pays 3%: and is pie.

Nothing stopping you putting in money and the same dat giving 32 days notice.

After the 32 days is upv and the money is out,  redeposit the money for another 32 days.

KrazyKid:

 

If you can handle a slight delay, try a 32 day notice saver. 

 

Wetpac on le pays 3%: and is pie.

 

Nothing stopping you putting in money and the same dat giving 32 days notice.

 

After the 32 days is upv and the money is out,  redeposit the money for another 32 days.

 

Westpac Notice Saver